The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,670
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,158
−HK$495/mo
Today · 4.125%
HK$16,653
baseline
▲ 0.50% · 4.625%
HK$17,666
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,306/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,433
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,901
−HK$474/mo
Today · 4.125%
HK$18,375
baseline
▲ 0.50% · 4.625%
HK$19,344
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,750/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,805
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,389
−HK$595/mo
Today · 4.125%
HK$19,984
baseline
▲ 0.50% · 4.625%
HK$21,200
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,968/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,920
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,481
−HK$569/mo
Today · 4.125%
HK$22,050
baseline
▲ 0.50% · 4.625%
HK$23,212
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,100/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,939
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,621
−HK$693/mo
Today · 4.125%
HK$23,314
baseline
▲ 0.50% · 4.625%
HK$24,733
+HK$1,419/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,628/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,407
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,061
−HK$664/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,081
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,207
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$892/mo
Today · 4.125%
HK$29,976
baseline
▲ 0.50% · 4.625%
HK$31,800
+HK$1,824/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$59,952/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,380
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,221
−HK$854/mo
Today · 4.125%
HK$33,075
baseline
▲ 0.50% · 4.625%
HK$34,819
+HK$1,744/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$66,150/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,167 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).